Hans Anderegg “The Loan Guy” recommends that before you start shopping for that new purchase loan or refinancing your existing home loan, there are important things you need to consider. This paper mainly focuses on purchase loans, but the common principles are the same for both purchase and refinance loans.

What type of loan is best for You ?

The loan guy feels both types of purchase loans have advantages and disadvantages.
Variable rate loans generally have a low initial rate, which will remain fixed for a period of time and then change periodically. For example, a 5/1 ARM will have a fixed rate for the first 5 years of the loan, and then the rate will change every year thereafter.
Variable rate purchase loans are a good choice if you are not planning on living in the home for a long time, or if interest rates are currently high.

A fixed rate purchase loan will have the same rate – and payment – throughout the life of the loan. A fixed rate purchase loan is a good choice if you plan on living in the home a long time, or if interest rates are currently low.

Decide how much you want to put down?

The Loan Guy wants you to know that more money you have for a down payment, the lower your monthly payment and loan balance will be. Many lenders will require that you put down a minimum of 3.5% (FHA Loans) as a down payment, although there are loan programs that will allow for smaller down payments (community assisted), under special circumstances.

If you are able to afford 20% of the purchase price for a down payment, you will generally avoid paying private mortgage insurance (PMI). This insurance will raise your monthly payment and is generally not considered tax deductible. The Loan guy says that with a 20% down payment, you may also qualify for a lower interest rate on your purchase loan. Be sure to ask your lender if your rate can be reduced with a larger down payment.

Understanding the fees before you choose your purchase loan is very important.

The best way to get a complete overview of the real costs of your purchase loan is a Good Faith Estimate (GFE). The loan guy provides you a GFE before you commit to a any loan. This document will list all the expected fees and pre-paid expenses you will need to pay at or before closing. No surprises

By comparing fees and interest rates from different lenders, like Cobalt Financial Corporation, you will be able to make the best decision. It is often difficult, but there is one piece of information that makes the process easier. The Annual Percentage Rate, or APR, combines all the fees and interest expenses over the life of the loan into one number. Generally, a purchase loan with a smaller APR is the better loan, though the APR for a variable rate mortgage may not always represent the likely future cost of the purchase loan.

Choose your rate and fee’s

The loan guy recommends working with lenders that will allow you to pay extra points in order to decrease the interest rate on your loan if advisable. When you are thinking about paying points, you need to consider how long you plan to live in the home. Make sure it makes sense. If paying 1 or 2 point reduces your monthly payment, divide the savings into how long you expect to be there and then look at the math. Numbers don’t lie.

Pick A Rate

The interest rate is not yours until you’ve locked your rate. Mortgage rates can change every day, sometimes more than once a day. Your rate is not fixed until your lender has locked the rate on your purchase loan.
Deciding when to lock can be tricky and the loan guy has a program that may help. If you are happy with the current rate, then you should probably lock it in. That will protect you in case interest rates rise. If you want the rate to be lower, you can hold off, but your rate might go up as well as go down while you wait.
When you do lock a rate, make sure the lender gets you a written confirmation from your rate lock. This confirmation should contain important information about the rate and expiration date of the rate lock and terms of your purchase loan..

If you would like to learn more about my services, Just call or email me. Its simple and painless to get started. Thank you for visiting my online office.

Hans Anderegg
The Loan Guy
Hans@theloanguy.me

http://theloanguy.me

]]> http://andereggmedia.com/uncategorized/the-right-loan/feed/ 6290 http://andereggmedia.com/uncategorized/mortgage-terms/ http://andereggmedia.com/uncategorized/mortgage-terms/#comments Fri, 04 Mar 2011 04:38:19 +0000 admin http://andereggmedia.com/?p=1213 The Loan Guy and Mortgage Terms

203(b): FHA program which provides mortgage insurance to protect lenders from default; used to finance the purchase of new or existing one- to four family housing; characterized by low down payment, flexible qualifying guidelines, limited fees, and a limit on maximum loan amount.

203(k): this FHA mortgage insurance program enables homebuyers to finance both the purchase of a house and the cost of its rehabilitation through a single mortgage loan.

- A -

Amenity: a feature of the home or property that serves as a benefit to the buyer but that is not necessary to its use; may be natural (like location, Woods, water) or man-made (like a swimming pool or garden).

Amortization: repayment of a mortgage loan through monthly installments of principal and interest; the monthly payment amount is based on a schedule that will allow you to own your home at the end of a specific time period (for example, 15 or 30 years)

Annual Percentage Rate (APR): calculated by using a standard formula, the APR shows the cost of a loan; expressed as a yearly interest rate, it includes the interest, points, mortgage insurance, and other fees associated with the loan.

Application: the first step in the official loan approval process; this form is used to record important information about the potential borrower necessary to the underwriting process.

Appraisal: a document that gives an estimate of a property’s fair market value; an appraisal is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.

Appraiser: a qualified individual who uses his or her experience and knowledge to prepare the appraisal estimate.

ARM: Adjustable Rate Mortgage; a mortgage loan subject to changes in interest rates; when rates change, ARM monthly payments increase or decrease at intervals determined by the lender; the Change in monthly -payment amount, however, is usually subject to a Cap.

Assessor: a government official who is responsible for determining the value of a property for the purpose of taxation.

Assumable mortgage: a mortgage that can be transferred from a seller to a buyer; once the loan is assumed by the buyer the seller is no longer responsible for repaying it; there may be a fee and/or a credit package involved in the transfer of an assumable mortgage.

- B –

Balloon Mortgage: a mortgage that typically offers low rates for an initial period of time (usually 5, 7, or 10) years; after that time period elapses, the balance is due or is refinanced by the borrower.

Bankruptcy: a federal law Whereby a person’s assets are turned over to a trustee and used to pay off outstanding debts; this usually occurs when someone owes more than they have the ability to repay.

Borrower: a person who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms.

Building code: based on agreed upon safety standards within a specific area, a building code is a regulation that determines the design, construction, and materials used in building.

Budget: a detailed record of all income earned and spent during a specific period of time.

- C -

Cap: a limit, such as that placed on an adjustable rate mortgage, on how much a monthly payment or interest rate can increase or decrease.

Cash reserves: a cash amount sometimes required to be held in reserve in addition to the down payment and closing costs; the amount is determined by the lender.

Certificate of title: a document provided by a qualified source (such as a title company) that shows the property legally belongs to the current owner; before the title is transferred at closing, it should be clear and free of all liens or other claims.

Closing: also known as settlement, this is the time at which the property is formally sold and transferred from the seller to the buyer; it is at this time that the borrower takes on the loan obligation, pays all closing costs, and receives title from the seller.

Closing costs: customary costs above and beyond the sale price of the property that must be paid to cover the transfer of ownership at closing; these costs generally vary by geographic location and are typically detailed to the borrower after submission of a loan application.

Commission: an amount, usually a percentage of the property sales price, that is collected by a real estate professional as a fee for negotiating the transaction.

Condominium: a form of ownership in which individuals purchase and own a unit of housing in a multi-unit complex; the owner also shares financial responsibility for common areas.

Conventional loan: a private sector loan, one that is not guaranteed or insured by the U.S. government.

Cooperative (Co-op): residents purchase stock in a cooperative corporation that owns a structure; each stockholder is then entitled to live in a specific unit of the structure and is responsible for paying a portion of the loan.

Credit history: history of an individual’s debt payment; lenders use this information to gauge a potential borrower’s ability to repay a loan.

Credit report: a record that lists all past and present debts and the timeliness of their repayment; it documents an individual’s credit history.

Credit bureau score: a number representing the possibility a borrower may default; it is based upon credit history and is used to determine ability to qualify for a mortgage loan.

- D -

Debt-to-income ratio: a comparison of gross income to housing and non-housing expenses; With the FHA, the-monthly mortgage payment should be no more than 29% of monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41% of income.

Deed: the document that transfers ownership of a property.

Deed-in-lieu: to avoid foreclosure (“in lieu” of foreclosure), a deed is given to the lender to fulfill the obligation to repay the debt; this process doesn’t allow the borrower to remain in the house but helps avoid the costs, time, and effort associated with foreclosure.

Default: the inability to pay monthly mortgage payments in a timely manner or to otherwise meet the mortgage terms.

Delinquency: failure of a borrower to make timely mortgage payments under a loan agreement.

Discount point: normally paid at closing and generally calculated to be equivalent to 1% of the total loan amount, discount points are paid to reduce the interest rate on a loan.

Down payment: the portion of a home’s purchase price that is paid in cash and is not part of the mortgage loan.

- E -

Earnest money: money put down by a potential buyer to show that he or she is serious about purchasing the home; it becomes part of the down payment if the offer is accepted, is returned if the offer is rejected, or is forfeited if the buyer pulls out of the deal.

EEM: Energy Efficient Mortgage; an FHA program that helps homebuyers save money on utility bills by enabling them to finance the cost of adding energy efficiency features to a new or existing home as part of the home purchase

Equity: an owner’s financial interest in a property; calculated by subtracting the amount still owed on the mortgage loon(s)from the fair market value of the property.

Escrow account: a separate account into which the lender puts a portion of each monthly mortgage payment; an escrow account provides the funds needed for such expenses as property taxes, homeowners insurance, mortgage insurance, etc.

- F -

Fair Housing Act: a law that prohibits discrimination in all facets of the homebuying process on the basis of race, color, national origin, religion, sex, familial status, or disability.

Fair market value: the hypothetical price that a willing buyer and seller will agree upon when they are acting freely, carefully, and with complete knowledge of the situation.

Fannie Mae: Federal National Mortgage Association (FNMA); a federally-chartered enterprise owned by private stockholders that purchases residential mortgages and converts them into securities for sale to investors; by purchasing mortgages, Fannie Mae supplies funds that lenders may loan to potential homebuyers.

FHA: Federal Housing Administration; established in 1934 to advance homeownership opportunities for all Americans; assists homebuyers by providing mortgage insurance to lenders to cover most losses that may occur when a borrower defaults; this encourages lenders to make loans to borrowers who might not qualify for conventional mortgages.

Fixed-rate mortgage: a mortgage with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change.

Flood insurance: insurance that protects homeowners against losses from a flood; if a home is located in a flood plain, the lender will require flood insurance before approving a loan.

Foreclosure: a legal process in which mortgaged property is sold to pay the loan of the defaulting borrower.

Freddie Mac: Federal Home Loan Mortgage Corporation (FHLM); a federally-chartered corporation that purchases residential mortgages, securities them, and sells them to investors; this provides lenders With funds for new homebuyers.

- G -

Ginnie Mae: Government National Mortgage Association (GNMA); a government-owned corporation overseen by the U.S. Department of Housing and Urban Development, Ginnie Mae pools FHA-insured and VA-guaranteed loans to back securities for private investment; as With Fannie Mae and Freddie Mac, the investment income provides funding that may then be lent to eligible borrowers by lenders.

Good faith estimate: an estimate of all closing fees including pre-paid and escrow items as well as lender charges; must be given to the borrower within three days after submission of a loan application.

- H -

HELP: Homebuyer Education Learning Program; an educational program from the FHA that counsels people about the homebuying process; HELP covers topics like budgeting, finding a home, getting a loan, and home maintenance; in most cases, completion of the program may entitle the homebuyer to a reduced initial FHA mortgage insurance premium-from 2.25% to 1.75% of the home purchase price.

Home inspection: an examination of the structure and mechanical systems to determine a home’s safety; makes the potential homebuyer aware of any repairs that may be needed.

Home warranty: offers protection for mechanical systems and attached appliances against unexpected repairs not covered by homeowner’s insurance; overage extends over a specific time period and does not cover the home’s structure.

Homeowner’s insurance: an insurance policy that combines protection against damage to a dwelling and Is contents with protection against claims of negligence )r inappropriate action that result in someone’s injury or )property damage.

Housing counseling agency: provides counseling and assistance to individuals on a variety of issues, including loan default, fair housing, and homebuying.

HUD: the U.S. Department of Housing and Urban Development; established in 1965, HUD works to create a decent home and suitable living environment for all Americans; it does this by addressing housing needs, improving and developing American communities, and enforcing fair housing laws.

HUD1 Statement: also known as the “settlement sheet,” it itemizes all closing costs; must be given to the borrower at or before closing.

HVAC: Heating, Ventilation and Air Conditioning; a home’s heating and cooling system.

- I -

Index: a measurement used by lenders to determine changes to the Interest rate charged on an adjustable rate mortgage.

Inflation: the number of dollars in circulation exceeds the amount of goods and services available for purchase; inflation results in a decrease in the dollar’s value.

Interest: a fee charged for the use of money.

Interest rate: the amount of interest charged on a monthly loan payment; usually expressed as a percentage.

Insurance: protection against a specific loss over a period of time that is secured by the payment of a regularly scheduled premium.

- J -

Judgment: a legal decision; when requiring debt repayment, a judgment may include a property lien that secures the creditor’s claim by providing a collateral source.

- L -

Lease purchase: assists low- to moderate-income homebuyers in purchasing a home by allowing them to lease a home with an option to buy; the rent payment is made up of the monthly rental payment plus an additional amount that is credited to an account for use as a down payment.

Lien: a legal claim against property that must be satisfied when the property is sold.

Loan: money borrowed that is usually repaid with interest.

Loan fraud: purposely giving incorrect information on a loan application in order to better qualify for a loan; may result in civil liability or criminal penalties.

Loan-to-value (LTV) ratio: a percentage calculated by dividing the amount borrowed by the price or appraised value of the home to be purchased; the higher the LTV, the less cash a borrower is required to pay as down payment.

Lock-in: since interest rates can change frequently, many lenders offer an interest rate lock-in that guarantees a specific interest rate if the loan is closed within a specific time.

Loss mitigation: a process to avoid foreclosure; the lender tries to help a borrower who has been unable to make loan payments and is in danger of defaulting on his or her loan.

- M -

Margin: an amount the lender adds to an index to determine the interest rate on an adjustable rate mortgage.

Mortgage: a lien on the property that secures the Promise to repay a loan.

Mortgage banker: a company that originates loans and resells them to secondary mortgage lenders like: Fannie Mae or Freddie Mac.

Mortgage broker: a firm that originates and processes loans for a number of lenders.

Mortgage insurance: a policy that protects lenders against some or most of the losses that can occur when a borrower defaults on a mortgage loan; mortgage insurance is required primarily for borrowers with a down payment of less than 20% of the home’s purchase price.

Mortgage insurance premium (MIP): a monthly payment -usually part of the mortgage payment – paid by a borrower for mortgage insurance.

Mortgage Modification: a loss mitigation option that allows a borrower to refinance and/or extend the term of the mortgage loan and thus reduce the monthly payments.

- O -

Offer: indication by a potential buyer of a willingness to purchase a home at a specific price; generally put forth in writing.

Origination: the process of preparing, submitting, and evaluating a loan application; generally includes a credit check, verification of employment, and a property appraisal.

Origination fee: the charge for originating a loan; is usually calculated in the form of points and paid at closing.

- P -

Partial Claim: a loss mitigation option offered by the FHA that allows a borrower, with help from a lender, to get an interest-free loan from HUD to bring their mortgage payments up to date.

PITI: Principal, Interest, Taxes, and Insurance – the four elements of a monthly mortgage payment; payments of principal and interest go directly towards repaying the loan while the portion that covers taxes and insurance (homeowner’s and mortgage, if applicable) goes into an escrow account to cover the fees when they are due.

PMI: Private Mortgage Insurance; privately-owned companies that offer standard and special affordable mortgage insurance programs for qualified borrowers with down payments of less than 20% of a purchase price.

Pre-approve: lender commits to lend to a potential borrower; commitment remains as long as the borrower still meets the qualification requirements at the time of purchase.

Pre-foreclosure sale: allows a defaulting borrower to sell the mortgaged property to satisfy the loan and avoid foreclosure.

Pre-qualify: a lender informally determines the maximum amount an individual is eligible to borrow.

Premium: an amount paid on a regular schedule by a policyholder that maintains insurance coverage.

Prepayment: payment of the mortgage loan before the scheduled due date; may be Subject to a prepayment penalty.

Principal: the amount borrowed from a lender; doesn’t include interest or additional fees.

- R -

Radon: a radioactive gas found in some homes that, if occurring in strong enough concentrations, can cause health problems.

Real estate agent: an individual who is licensed to negotiate and arrange real estate sales; works for a real estate broker.

REALTOR®: a real estate agent or broker who is a member of the NATIONAL ASSOCIATION OF REALTORS®, and its local and state associations.

Refinancing: paying off one loan by obtaining another; refinancing is generally done to secure better loan terms (like a lower interest rate).

Rehabilitation mortgage: a mortgage that covers the costs of rehabilitating (repairing or Improving) a property; some rehabilitation mortgages – like the FHA’s 203(k) – allow a borrower to roll the costs of rehabilitation and home purchase into one mortgage loan.

RESPA: Real Estate Settlement Procedures Act; a law protecting consumers from abuses during the residential real estate purchase and loan process by requiring lenders to disclose all settlement costs, practices, and relationships.

- S -

Settlement: another name for closing.

Special Forbearance: a loss mitigation option where the lender arranges a revised repayment plan for the borrower that may include a temporary reduction or suspension of monthly loan payments.

Subordinate: to place in a rank of lesser importance or to make one claim secondary to another.

Survey: a property diagram that indicates legal boundaries, easements, encroachments, rights of way, improvement locations, etc.

Sweat equity: using labor to build or improve a property as part of the down payment.

- T -

Title 1: an FHA-insured loan that allows a borrower to make non-luxury improvements (like renovations or repairs) to their home; Title I loans less than $7,500 don’t require a property lien.

Title insurance: insurance that protects the lender against any claims that arise from arguments about ownership of the property; also available for homebuyers.

Title search: a check of public records to be sure that the seller is the recognized owner of the real estate and that there are no unsettled liens or other claims against the property.

Truth-in-Lending: a federal law obligating a lender to give full written disclosure of all fees, terms, and conditions associated with the loan initial period and then adjusts to another rate that lasts for the term of the loan.

- U -

Underwriting: the process of analyzing a loan application to determine the amount of risk involved in making the loan; it includes a review of the potential borrower’s credit history and a judgment of the property value.

- V -

VA: Department of Veterans Affairs: a federal agency, which guarantees loans made to veterans; similar to mortgage insurance, a loan guarantee protects lenders against loss that may result from a borrower default.

The Loan Guy

Hans Anderegg

10509 Vista Sorrento Pkwy

Suite #200

San Diego, CA 92121

Ph. 858-433-6607

]]> http://andereggmedia.com/uncategorized/mortgage-terms/feed/ 6195 http://andereggmedia.com/uncategorized/mortgage-calc/ http://andereggmedia.com/uncategorized/mortgage-calc/#comments Tue, 22 Feb 2011 18:47:57 +0000 admin http://andereggmedia.com/?p=1205 Mortgage Calculators

from The Loan Guy

“There is no limit to what a man can accomplish if he doesn’t mind who get the Credit.” That quote was on the desk on one of our late presidents, Ronald Regan. I wanted to share an inspiring thought as well as these free mortgage calculators. Use them as you will.

If you would like to install them on your site for your clients benifit, just email and I will send you the sourse code. These mortgage calculators are some of the best looking mortge calculators that I have worked with. If you need some advise as how to use them, just pick up the phone and give me a call. I will glagly show you how to use these mortgage calculators.

Thank for being here.

Hans Anderegg

The Loan Guy

Mortgage calculators by The Loan Guy

Mortgage calculators by The Loan Guy

Mortgage calculators by The Loan Guy

http://TheLoanGuy.me

The Loan Guy

California

10509 Vista Sorrento Pkwy

Suite #200

San Diego, CA 92121

Ph. 858-433-6607

UTAH

1530 e Beachwood Dr.

Layton, Utah 84040

Ph. 801 494-9424

email

Hans@theloanguy.me

]]> http://andereggmedia.com/uncategorized/mortgage-calc/feed/ 6300 http://andereggmedia.com/uncategorized/join-my-realtor-team/ http://andereggmedia.com/uncategorized/join-my-realtor-team/#comments Tue, 22 Feb 2011 18:47:35 +0000 admin http://andereggmedia.com/?p=1203 The Loan Guy

Does your Loan Officer help you build your business?

My name is Hans Anderegg A.K.A. “The loan Guy”. I believe the relationship between the Loan Officer and Realtor has never been more important. If your a Professional Realtor that understands the symbiotic relationship between a quality loan officer and Realtor, I would like to see if we could help grow each others business.

I have been a licensed loan offer for over 20 years. I am also certified SEM and SEO consultant and the owner of http://andereggmedia.com . I believe the portal for generating and maintaining a viable real estate and mortgage business are leads, leads, and more leads. Clients can’t use us unless they first know we exist. Name recognition, branding, search engine placement, and social media marketing are just a few powerful tools in today’s high tech Real Estate Market.

I have developed a package of powerful tools and marketing platforms that can help take your business to the next level, and in return, my business. As Zig Zigler has said 1000′s of times, “You can get anything in life you want, if you can just help enough people get what they want”.

Front place placement on major search engines and local branding requires me to only work with one Realtor per area. I will not compete against myself or you. If you would like to see how I can help grow and expand your business and sales, I would love to talk with you. Let take 10 minutes and see if were a good match. Either way, Let me wish all of you a great and successful 2011.

Hans Anderegg “The Loan Guy”

Cobalt Financial Corporation

10509 Vista Sorrento Pkwy

Suite #200

San Diego, CA 92121

Ph. 858-433-6607

email Hans@theloanguy.me

The Loan Guy

California

10509 Vista Sorrento Pkwy

Suite #200

San Diego, CA 92121

Ph. 858-433-6607

UTAH

1530 e Beachwood Dr.

Layton, Utah 84040

Ph. 801 494-9424

email

Hans@theloanguy.me

]]> http://andereggmedia.com/uncategorized/join-my-realtor-team/feed/ 5551 http://andereggmedia.com/uncategorized/loss-mitigation/ http://andereggmedia.com/uncategorized/loss-mitigation/#comments Tue, 22 Feb 2011 18:43:38 +0000 admin http://andereggmedia.com/?p=1198

The Loan Guy-Loss Mitigation

What is Loss mitigation?

Loss Mitigation is a term used to describe a negotiation between a homeowner and the homeowner’s lender. Loss mitigation works to negotiate with the homeowners lender to prevent them from losing their home and/or incurring additional hardships.

Loan modification: This is a process whereby a homeowner’s note is modified. The lender and homeowner are then bound by the new terms. Common modifications are lowering the Note Rate of home loan, the lowering of the principal balance.

Short sale: This is a process whereby a lender chooses to accept a payoff that is less than the principal balance of a homeowner’s mortgage, in order to facilitate the sale of a home. This usually occurs when the homeowners owes more on their mortgage than the property is worth.

Deed in lieu: A Deed in Lieu of foreclosure is when the homeowners voluntarily return the home to the bank to avoid foreclosure.

Cash-for-keys negotiation: This is just what is sounds like. Instead of the bank having to go through the hassle and expense of foreclosing and eviction and having the house returned in questionable shape, the bank pays the homeowner to leave and leave the house in in good condition.

Special Forbearance – This is where you will make no monthly payment or a reduced monthly payment. Sometimes, the lender will ask you to be put on a repayment plan when the special has been finished to pay back what you missed, while other times they just modify your loan.

Bankruptcy: as a last resort on forcing the banks hand and getting out of future liability resulting in possible deficiency judgment, home owner can use the courts to settle all term under the courts supervision.

The Loan Guy

California

10509 Vista Sorrento Pkwy

Suite #200

San Diego, CA 92121

Ph. 858-433-6607

UTAH

1530 e Beachwood Dr.

Layton, Utah 84040

Ph. 801 494-9424

email

Hans@theloanguy.me

]]> http://andereggmedia.com/uncategorized/loss-mitigation/feed/ 6399 http://andereggmedia.com/uncategorized/mortgage-calcs/ http://andereggmedia.com/uncategorized/mortgage-calcs/#comments Mon, 14 Feb 2011 01:05:08 +0000 admin http://andereggmedia.com/?p=1196 Mortgage Calculators

from The Loan Guy

Mortgage calculators by The Loan Guy

Mortgage calculators by The Loan Guy

Mortgage calculators by The Loan Guy

http://TheLoanGuy.me

]]> http://andereggmedia.com/uncategorized/mortgage-calcs/feed/ 6274 http://andereggmedia.com/uncategorized/hans-anderegg-the-loan-guy/ http://andereggmedia.com/uncategorized/hans-anderegg-the-loan-guy/#comments Sun, 13 Feb 2011 21:42:38 +0000 admin http://andereggmedia.com/?p=1192 Cobalt Financial Corporation

Hans Anderegg “The Loan Guy”

Our Titles vary. We are mortgage consultants, loan originators, loan officers, and mortgage brokers.

What does not vary is that every day, borrowers like you entrust us with one of the most important financial decisions of your life, that if not executed properly can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown.

We know that despite our best efforts and the government’s best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document . Our borrowers trust us as their mortgage advisor and that what they are signing is in their best interest.

We do not take that responsibility lightly. We do what is in the best interest for you, our client, not what is best for our pocketbook as some other brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long term relationship. CA DRE Broker # 01821025

Highlights of Cobalt Financial
•A – Rated and Accredited by the Better Business Bureau
•Members of NAMB (National Association of Mortgage Brokers)
•FHA/VA approved
•Cobalt brokers are seasoned brokers. We do not hire newly licensed loan officers.
•Many loan officers with Cobalt have obtained their CMPS designation (Certified Mortgage Planning Specialist)
•Managed by Principals with over 62 years experience in the mortgage industry
•Former principals of the 2nd Largest Mortgage Broker in the US
•Our corporate office is available to all clients to intervene in situations when necessary
•We have strict policies to ensure your confidential information remains confidential
•Partners with the largest banks in the US
•Accurate up front rate and closing cost quotes.
Privacy Policy

]]> http://andereggmedia.com/uncategorized/hans-anderegg-the-loan-guy/feed/ 6163 http://andereggmedia.com/uncategorized/ventedecasa-com/ http://andereggmedia.com/uncategorized/ventedecasa-com/#comments Sat, 20 Nov 2010 00:39:45 +0000 admin http://andereggmedia.com/?p=820 venta de casa at VentadeCasa.com

Yellow Page Business Directory and Anderegg Media would like to welcome VentadeCasa.com to the 2011 yellow page business directory.
Venta de Casa specializes in buying,selling and financing properties in Southern California.

You can search properties and talk to a licensed California ePro Realtor at Http://ventadecasa.com

]]> http://andereggmedia.com/uncategorized/ventedecasa-com/feed/ 6271 http://andereggmedia.com/uncategorized/socalrealestate-me-socal-real-estate/ http://andereggmedia.com/uncategorized/socalrealestate-me-socal-real-estate/#comments Fri, 19 Nov 2010 21:47:23 +0000 admin http://andereggmedia.com/?p=807 SoCal Real Estate at SoCalRealEstate.me

Yellow Page Business Directory and Anderegg Media would like to welcome SoCal Real Estate to the 2011 yellow page business directory.

SoCal Real Estate specializes in buying, selling, and financing properties in Southern California.

You can search properties and talk to a licensed California ePro Realtor at Http://SocalRealEstate.me

SoCal Real Estate consists of real estate located in the 5 most southern counties in California. These counties are San Diego County, Orange County, Riverside County, San Bernardino County, and Los Angeles County.

]]> http://andereggmedia.com/uncategorized/socalrealestate-me-socal-real-estate/feed/ 6524 http://andereggmedia.com/uncategorized/utahhomeloans-biz-utah-home-loans/ http://andereggmedia.com/uncategorized/utahhomeloans-biz-utah-home-loans/#comments Mon, 15 Nov 2010 21:11:13 +0000 admin http://andereggmedia.com/?p=798 http://UtahHomeLoans.biz – Utah Home Loans

Anderegg Media and the Yellow Page Business Directory would like to welcome UtahHomeLoan.biz to the 2011 SEO Optimized Yellow Page Business Directory.

]]> http://andereggmedia.com/uncategorized/utahhomeloans-biz-utah-home-loans/feed/ 6026